Open To Work
XIOMARA COLON
Financial Analysis
Lake Park,FL
Summary
As a dedicated financial professional with extensive experience in analysis, compliance, and underwriting, I am eager to contribute my skills to your esteemed team. My background in financial analysis and compliance ensures I can provide valuable insights and support strategic decision-making. I am passionate about driving financial success and fostering a collaborative environment, and I am excited about the opportunity to join your organization and make a meaningful impact.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Financial Analyst
Pike Electric
10.2024 - Current
- Analysis, and communicate to management the impact on the Company’s financial structure, profitability, and competitive position utilizing relevant analytical methods and/or department forecasting models.
- Provide financial analysis support for various projects, calculating revenue requirements, net present value, customer bill impact, etc.
- Perform financial analyses and the company’s Financial Statement as required by management or regulatory bodies.
- Make recommendations on financing decisions and execute long and/or short-term budget.
- Achieve recognition for excellence in financial reporting and analysis.
- Utilize advanced analytics tools, increasing efficiency in data processing.
- Collaborated with cross-functional teams to drive strategic initiatives.
Estimator/Financial Analyst
Treasure Coast Construction
03.2023 - 10.2024
- Reviewed architectural plans, blueprints, and specifications to understand project scope and requirements.
- Calculated expenses for materials, labor, equipment, transportation, and subcontractor work.
- Obtained and evaluated bids from multiple vendors and subcontractors.
- Developed project budgets and use data to create accurate forecasts and cost analyses.
- Prepared detailed financial reports, variance analysis, and forecasts to communicate cost performance, trends, and key insights to senior management.
- Implemented and refined cost control processes, procedures, and accounting systems to enhance efficiency and accuracy.
- Provided financial data-driven recommendations to management, influencing strategic decisions, resource allocation, and overall business performance.
Serving Underwriter Team Lead
PHH Servicing/Ocwen Financial
05.2022 - 02.2023
- Ensured loans serving loans are managed, modified and aligned with guidelines from investors like Fannie Mae, Freddie Mac etc.. and servicing government regulations (CFPB, RESPA, TILA, ECOA, FCRA etc..)
- Focused on the initial loan approval by assessing borrower’s creditworthiness and ability to repay a new loan or loan modification.
- Responsible for risk management and operational tasks for mortgages once they closed and in Ocwen pipeline.
- Reviewed financial statements, tax returns, and third-party credit reports to identify risks of service loans.
- Conducted second-level reviews and signed-off on loans underwritten by junior staff to ensure accuracy, quality, and adherence to company and investor policies.
- Monitored performance, identified emerging trends, and detected potential problems, including analyzing key metrics like delinquency rates by loan product and geography.
- Provided guidance, coaching, and training to junior underwriters.
Chief Financial Officer
Partners In Treatment
10.2018 - 02.2022
- Developed and implemented financial plans, budgets, and forecasts which aligned with the organization’s mission, and ensuring financial sustainability and growth.
- Oversee daily financial operations, including accounts payable, accounts receivable, payroll, and general ledger functions (Medical Billing).
- Ensured adherence to all federal, state, and local regulatory requirements, particularly in the healthcare industry.
- Prepared and present accurate financial statements and reports to the CEO, Board of Directors, and other stakeholders.
- Managed financial risks, developed financial control systems, and ensured compliance with financial standards.
- Proactively managed cashflow to ensure sufficient funds for operations and future investments.
Sinor Compliance Analysis
Bank United
12.2016 - 05.2018
- Performed regulatory and legal compliance, such as OFAC (Office of Foreign Assets Control) and BSA/AML (Bank Secrecy Act/Anti-Money Laundering) monitoring, customer account review, and FinCEN (Financial Crimes Enforcement Network) reporting requirements.
- Ensured compliance with applicable federal and state laws and regulations, including BSA/AML, PATRIOT Act, and consumer protection laws.
- Investigated potential matches from screening software and resolved suspicious activity, fulfilling FinCEN reported requirements.
- Served as a subject matter expert on banking regulations, provided advice and guidance on various business lines.
- Investigated all fraud inquiries on client Credit Report, Claim and Complaints via E-Oscar (FCRA).
- Participated in all aspects of federal, state, and agency/investor examinations as needed, including completing loan re reviews, preparation of examination responses, and functioning as a lead in the development of remediation plans and post implementation testing to ensure effectiveness.
Underwriter/Compliance Analysis
UBS
02.2013 - 02.2017
- Analyzed a borrower’s financial income, assets and existing debts to gauge their ability to repay a mortgage loan.
- Ensured all loan application and documentation adhere to the lender’s internal and investor polices and all federal and state regulatory requirements.
- Ensured the property’s estimated value, as determined by the appraiser, is sufficient to justify the loan amount.
- Assessed all property condition issues.
- Examined the applicant’s credit report, credit score, and payment history to assess their creditworthiness
- Identified potential fraud or red flags application and escalate them for further review.
- Produced reports detailing compliance findings, trends, and recommendations to management for all Mortgage loans.
- Hybrid
Underwriter
Aegis lending
10.2009 - 03.2012
Fraud Specialist
RDC
04.2004 - 09.2009
Education
BA - Accounting
Indian River State College
Port St Lucie, Florida01.2025
AS - Accounting
Berkeley College
Newark, New Jersey01.2012
Skills
- Quick Books
- Financial Statements
- Project Estimator
- ArcGIS
- Procore
- Black Night
- DU
- LP
- RPA
- AUS
- Microsoft 365
- E-Oscar
- Lexus Nexus
- Cash flow analysis
- Financial risk management
- Balance sheet analysis
- Management reporting
- Bank reconciliation
- Advanced Excel
- SQL analytics
- SQL querying capabilities
- Tableau desktop
Certification
- CPE - Certified Professional Estimator
Languages
Spanish
Full Professional
English
Full Professional
Work Preference
Job Search Status
Open to workWork Type
Full TimeContract WorkGig WorkLocation Preference
On-SiteHybridRemoteSalary Range
$45000/yr - $200000/yrTimeline
Financial Analyst
Pike Electric
10.2024 - Current
Estimator/Financial Analyst
Treasure Coast Construction
03.2023 - 10.2024
Serving Underwriter Team Lead
PHH Servicing/Ocwen Financial
05.2022 - 02.2023
Chief Financial Officer
Partners In Treatment
10.2018 - 02.2022
Sinor Compliance Analysis
Bank United
12.2016 - 05.2018
Underwriter/Compliance Analysis
UBS
02.2013 - 02.2017
Underwriter
Aegis lending
10.2009 - 03.2012
Fraud Specialist
RDC
04.2004 - 09.2009
AS - Accounting
Berkeley College
BA - Accounting
Indian River State College
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